MetLife is the life insurance carrier for Georgetown University. Life and accidental death and dismemberment insurance can provide financial security for your beneficiaries in the event of your terminal illness or death. The Dependent Life Insurance Plan is a voluntary, employee-paid group term life insurance plan in which you can elect coverage for your eligible dependents.
Eligibility
You are eligible to participate in the Dependent Life Insurance Plan if you are:
- A staff employee (including members of the International Union, Security, Police and Fire Professionals of America (SPFPA) and SEIU 1199) hired to work 30 or more hours per week;
- An academic employee (AAP or faculty) hired to work at least 75% time
For Spouse Life Coverage: You must participate in the Supplemental Life Plan in order to elect Spouse Life Insurance coverage.
For Child Life Coverage: Eligible dependent children must be ages 15 days up to 23 years old, or 25 years old if a child is a full-time student. You need not participate in the Supplemental Life Plan to elect Child Life.
Enrolling
You may enroll in this plan within the first 60 days of your employment at Georgetown University, or during Open Enrollment. Changes in coverage can be requested during Open Enrollment.
Benefit Amount
Spouse Life coverage options are: $10,000, $30,000, $50,000, $100,000, $150,000, $200,000 or $250,000.
The Dependent Spouse Life amount is dependent upon the approval of the Employee Supplemental Life coverage. The Dependent Spouse life coverage shall not exceed 50% of the Employee Supplemental Life election, and will be rounded down to the closest coverage option.
Example: A staff member earning an annual salary of $40,000 elects supplemental life coverage twice their salary, or $80,000. This individual can now elect spouse life coverage, but it may not exceed 50% of their supplemental election, or $40,000. The closest coverage option in this case is $30,000.
The Dependent Child coverage options are: $5,000 or $10,000
Evidence of Insurability (EOI) Requirements
For Spouse Life
When you are first hired the EOI requirements are as follows:
- No EOI required: If coverage does not exceed $30,000.
- Standard EOI: For amounts above $30,000, MetLife will contact you and direct you to the secure online form to complete your application.
During Open Enrollment, the following EOI requirements apply:
- Standard EOI: Those electing increased coverage, or enrolling for the first time, will be required to provide MetLife with a completed Statement of Health and /or medical examination results.
For Child Life
There are no EOI requirements when electing this coverage.
Cost
Your cost will be deducted from your pay on an after-tax basis. Georgetown is pleased to provide you competitive group rates for your supplemental insurance.
Spouse
| Spouse’s Age as of January 1 | Rate |
|---|---|
| Under 25 | $0.05 |
| 25-29 | $0.06 |
| 30-34 | $0.08 |
| 35-39 | $0.10 |
| 40-44 | $0.12 |
| 45-49 | $0.17 |
| 50-54 | $0.31 |
| 55-59 | $0.49 |
| 60-64 | $0.87 |
| 65-69 | $1.50 |
| 70+ | $2.37 |
Child
| $5,000 coverage | $0.75/month |
|---|---|
| $10,000 coverage | $1.50/month |
Effective Date
If you elect this coverage during open enrollment, coverage becomes effective January 1 of the following year.
For those electing coverage upon hire, your coverage is effective retroactive to your date of hire.
Claims and Appeals Procedures
Contact the Office of Faculty and Staff Benefits at 202-687-2500 or benefitshelp@georgetown.edu.
Contact Information
MetLife customer service can be reached at 1-800-638-6420 for claims and statement of health inquiries.